Versatile consultant with over 25 years of domestic and international experience specializing in financial sector development and credit frameworks. Areas of expertise include risk-based supervision, failed bank resolution, drafting and implementation of legal and regulatory frameworks, asset-based lending (movable and immovable), commercial laws and credit information bureaus. Additional experience in compliance, factoring, trade finance, drafting loan and transactional agreements, capacity building, institutional development and monitoring and evaluation. Well versed in preparing deliverables for clients and donors ranging from World Bank, DFID, ADB, USAID, the United Nations, numerous contractors and others. Working experience in the United States, Armenia, Georgia, Ukraine, Southern Sudan, Tanzania, Nigeria, Lesotho, Kosovo, Montenegro, Bangladesh, Iraq, Afghanistan, East Timor, Mongolia, Bhutan, Uzbekistan and other challenging environments.